When it comes to frugality, don’t be bashful.Your world is awash in hand-me-down possibilities, but if you don’t make it clear to family and friends that you are receptive to them, you may be missing out on a real money-saver. Many people won’t offer hand-me-downs for fear of insulting someone, but if you make it clear that your door is always open to such things, you’ll get avalanched. Stuff you don’t use can be sold on consignment or donated to the Goodwill.